Group Health Insurance
Better Coverage. Lower Cost. No Guesswork.
Medical is your largest benefits expense — and the most commonly mismanaged. Most businesses accept their renewal quote without ever comparing alternatives. Terry's BENEFITSOLOGY™ process benchmarks your plan against the full market every single year.
Get a Free Medical Benefits Analysis$332,599
Saved for one California employer, year one
102
Employees — zero reduction in benefits
10–50%
Typical savings range from our analysis
Four Group Plan Structures Explained
Terry will match your workforce demographics to the structure that balances employee satisfaction with cost efficiency.
PPO (Preferred Provider Organization)
Largest networks — employees can see any doctor, in-network for lower cost or out-of-network for more. No referrals needed. Higher premium.
Best for: Employees who want provider flexibility
HMO (Health Maintenance Organization)
Lower premium than PPO. Employees choose a primary care physician who manages and refers to specialists. Limited to in-network providers.
Best for: Cost-conscious businesses with local workforces
EPO (Exclusive Provider Organization)
Like a PPO but no out-of-network coverage except emergencies. Lower premium than PPO with similar ease of use.
Best for: Balance between cost savings and network access
HDHP + HSA (High-Deductible Health Plan)
Lowest premium. Paired with a Health Savings Account (HSA) — employees pay lower premiums and save pre-tax dollars for medical expenses.
Best for: Healthier employees who want to build tax-advantaged savings
The BENEFITSOLOGY™ Approach
5 Levers That Reduce Your Medical Costs
Most brokers pick a plan and move on. Terry analyzes every lever available.
Contribution strategy redesign
How you split costs between the company and employees dramatically affects both your tax burden and employee satisfaction. Most employers have never optimized this.
Network and carrier negotiation
We compare carriers and networks in your area to find the combination of cost and quality that fits your workforce location.
Claims data analysis
Your historical claims tell us what your employees actually use. We build a plan around real usage, not guesswork.
Wellness program integration
Wellness programs can reduce claims costs over time — and many carriers offer premium credits for incorporating them.
Renewal benchmarking
At renewal, we compare your current rates against the full market. You should never accept a rate increase without knowing what else is available.
What Your Employees Actually Want
57% of employees consider benefits a major factor when choosing where to work. Medical is the #1 benefit they care about. A strong plan doesn't just lower turnover — it attracts better candidates.
- Low or no employee premium contributions
- Access to their existing primary care doctor
- Prescription drug coverage included
- Low copays for specialist visits
- Coverage for spouses and dependents
- Telehealth options for convenience
Terry's Approach
You shouldn't have to choose between cost and quality.
Most brokers present you with 2–3 options from the same carrier. Terry compares across carriers, plan designs, and contribution structures to find the combination that delivers the most value for both the business and the employee — not just the path of least resistance at renewal time.
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Protect Your Family.
Let's Find Your Coverage.
Life insurance and employee benefits. No pressure, no commitment. Just real guidance from two people who pick up the phone and tell you the truth.
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